External Link Disclaimer

By clicking the following link, you will be transferred to a website not controlled by Peoples Bank & Trust. PB&T is not responsible for any of the information or services provided by this website. The website you are about to access is not covered by PB&T's privacy policy or security statement.

1. What is needed before I can start accepting payments with VirtualMerchant Mobile?

In addition to a merchant account, you will need to be set up with access to VirtualMerchant and have a supported mobile device. You can download the VirtualMerchant Mobile App, which is available for free through Apple’s iTunes Store, Google Play or Blackberry’s App World. Optional card readers can be purchased if you want to process card–swiped (vs. key-entered) transactions.

2. If I am currently using VirtualMerchant, what do I need to do in order to gain access to VirtualMerchant Mobile?

If you are currently using VirtualMerchant, simply download the App and select the set up instructions link on the VirtualMerchant Mobile "VirtualMerchant" configuration screen. The VirtualMerchant Mobile User Guide will provide instructions to configure VirtualMerchant for Mobile acceptance as well as instructions to locate the VirtualMerchant Mobile configuration credentials within VirtualMerchant. Alternatively, you can call 1-800-377-3962 for help with setup and configuration.

4. I mainly use VirtualMerchant in a mail order or telephone order environment but would like to accept payments in person on my smartphone when away from my office. Is there anything special I need to do?

You will want to discuss this with us so that we can assess your particular situation to determine if your Merchant Services and/or VirtualMerchant account configurations need to be updated or changed to allow you to take advantage of card-present processing.

5. Which types of mobile devices does VirtualMerchant Mobile work with?

At this time VirtualMerchant Mobile is supported on the following devices:

We offer a variety of card readers. Please contact your sales representative or fill out the "contact me" form for pricing and to order card readers. Card readers are encrypted for security reasons, and therefore must be purchased through Elavon or an authorized reseller.

VirtualMerchant Mobile supports Sale and Pre-Authorization transactions. Additional transaction types, including voids and credits can be accessed by logging into VirtualMerchant through any web enabled browser.

9. Is the VirtualMerchant Mobile App secure?

Yes. Payment information is never stored on or accessible through the device. In addition, the App is password protected to prevent unauthorized access and all supported card readers encrypt the card data to ensure that cardholder information is protected and never at risk.

10. Can I provide receipts for customer?

VirtualMerchant Mobile allows you to easily configure receipts to be emailed to your customers. A record of the transaction is also accessible to through the VirtualMerchant user interface. It does not support a receipt printer.

11. Can I obtain the customer signature in the App?

Yes. You can capture your customer signature in the App. That signature is then stored with the transaction in VirtualMerchant. Signature Capture is allowed in card-present environments only at this time. When you are setting up VirtualMerchant, please make sure you have your account configured correctly to take advantage of signature capture.

12. Can I include a tip with a sale?

Currently VirtualMerchant Mobile does not support the acceptance of tips. The total sale amount would need to be entered at the time of authorization. There are plans to add the support of tips in the near future.

13. What happens if a call is received during a transaction?

For security purposes, if a call is received during a transaction, the App will close and the user will be prompted to answer or decline the call. When the call ends, the App will prompt the user to reenter their password and reinitiate the transaction.